Cardinal Financial Company, Limited Partnership in Arkansas vs the state
12.7%Denial rate-5.53 pts vs state
13.5%Decision denial rate-9.62 pts vs state
60.8%Origination rate+3.93 pts vs state
6.56%Median rate-0.06 pts vs state
0.36Rate spread (pts)+0.01 pts vs state
$88kMedian applicant income
48Loans originated
10Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 68 | 5.2% | 6.75% | #146 |
| 2024 | 50 | 27 | 16.0% | 6.25% | #202 |
| 2025 | 79 | 48 | 12.7% | 6.56% | #171 |
What Cardinal Financial Company, Limited Partnership lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 10 | 7 | 1 | 10.0% |
| Pulaski County | 8 | 2 | 2 | 25.0% |
| Craighead County | 8 | 7 | 1 | 12.5% |
| Boone County | 4 | 4 | 0 | 0.0% |
| Saline County | 4 | 4 | 0 | 0.0% |
| White County | 4 | 1 | 1 | 25.0% |
| Hot Spring County | 3 | 2 | 1 | 33.3% |
| Washington County | 3 | 2 | 1 | 33.3% |
| Sebastian County | 3 | 2 | 1 | 33.3% |
| Crawford County | 2 | 2 | 0 | 0.0% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 79 applications in 2025, of which 48 were originated and 10 denied.
12.7% of all applications, or 13.5% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Arkansas in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Cardinal Financial Company, Limited Partnership's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology